TERMS OF SERVICE

Effective Date: 2/20/2026
Company Name: LegacyNowLLC
Principal Place of Business: Florida, United States
Website: legacynowllc.com
Contact Email: [email protected]
Phone: 3219002299

1. Acceptance of Terms

By accessing this website, submitting your information, or communicating with LegacyNowLLC (“Company,” “we,” “our,” or “us”), you agree to these Terms of Service.

If you do not agree, please do not use this website.

2. Nature of Services

LegacyNowLLC is an independent life insurance agency offering:

Final Expense Insurance

Mortgage Protection Insurance

Term Life Insurance products (where applicable)

We are contracted with multiple third-party insurance carriers. We do not underwrite, issue, or guarantee insurance policies.

All policy approvals, rates, underwriting decisions, claims determinations, and contract terms are made solely by the issuing insurance carrier.

3. No Guarantee of Coverage

Submission of information through our website or through third-party marketing partners does NOT:

Guarantee approval

Guarantee a specific premium rate

Bind coverage

Create an insurance policy

Coverage becomes effective only after:

A completed application is submitted

The insurance carrier approves the application

Required premium is paid

The policy is issued according to carrier guidelines

Carriers are not responsible for messages

4. Third-Party Lead Sources

LegacyNowLLC may contact individuals who previously submitted their information through third-party marketing platforms or lead vendors, including ScaleMySocial.

By submitting your information to such platforms, you may have consented to be contacted regarding insurance products.

If you believe you were contacted in error, please notify us immediately.

5. Communications & TCPA Consent

By submitting your information on our website or through third-party lead sources, you expressly consent to receive:

Phone calls

Text messages (SMS)

Emails

Messages sent using automated technology or prerecorded systems (where permitted by law)

Message and data rates may apply.

Consent is not required as a condition to purchase insurance.

You may opt out at any time by:

Replying STOP to text messages

Contacting us at [Your Email]

6. Client Responsibility & Accuracy

You agree that all information provided to LegacyNowLLC and any insurance carrier will be:

Truthful

Accurate

Complete

Failure to disclose accurate information, including medical history or lifestyle information, may result in:

Policy rescission

Denial of claim

Policy cancellation

You must be 18 years of age or older to opt in or to provide consent

7. No Government Affiliation

LegacyNowLLC is a private insurance agency.

We are not affiliated with:

The federal government

HUD

FHA

VA

Social Security Administration

Medicare

Any references to mortgage protection relate to privately issued life insurance policies designed to help protect a mortgage obligation.

8. Limitation of Liability

LegacyNowLLC shall not be liable for:

Denial of coverage by an insurance carrier

Underwriting delays

Claim disputes between policyholder and carrier

Carrier insolvency

Changes in carrier pricing or product availability

Our role is limited to facilitating insurance applications and servicing policies where authorized.

9. Multi-State Compliance

LegacyNowLLC operates nationwide, subject to applicable state insurance laws and regulations.

Product availability and underwriting guidelines vary by state.

Agents are licensed only in the states in which they conduct business.

License information is available upon request.

10. Electronic Communications & E-Sign

By interacting with us electronically, you consent to receive:

Electronic communications

Policy documents

Disclosures

In electronic form where permitted by law.

You may request paper copies where applicable.

11. Intellectual Property

All website content, including text, branding, graphics, and marketing materials, are the property of LegacyNowLLC and may not be copied or distributed without permission.

12. Modifications

We reserve the right to update or modify these Terms at any time. Changes become effective upon posting to this website.

13. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

14. You can cancel the SMS service at any time. Just text "STOP" to the [321-900-2299]. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [[email protected] or 321-900-2299].

Carriers are not liable for delayed or undelivered messages

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive [message frequency]. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

15. Contact Information

LegacyNowLLC
Florida, United States
3219002299
[email protected]

Privacy Policy link https://legacynowllc.com/privacy-policy